Examlex
The conclusion of your speech is:
Effort
The amount of work or energy expended towards the accomplishment of a task or objective.
Additional Interest
Interest that accrues in addition to the regular interest, often due to late payments or changes to agreed terms.
Borrow
The act of obtaining or receiving something with the intention of returning it or its equivalent.
Pay Back
A financial metric used to evaluate the time required to recoup the cost of an investment, gauging its profitability.
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